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My Rates

6 Months 4.49%
1 Year 6.64%
2 Years 5.99%
3 Years 5.14%
4 Years 5.09%
5 Years 4.89%
7 Years 5.65%
10 Years 6.05%
*Rates subject to change and OAC
AGENT LICENSE ID
501701
Terri Trask Mortgage Broker

Terri Trask

Mortgage Broker


Address:
Home Office, Grande Prairie, Alberta

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I'm your local mortgage broker in the North!  My official company address of the brokerage I'm signed up with is out of Burnaby but I live & work here in the Peace Region locally!  I'm licenced to provide mortgage services throughout the province of BC & AB so if you live in or near Dawson Creek, Grande Prairie or live in Edmonton or Vancouver I can assist you! Shop for a home with confidence, get preapproved first! 

 

One application, one credit check and I shop for the very best rates and terms available!  I have access to over 30 lenders and mortgage rates can change daily so get your application in and have the rate held from 90-120 days!

 

Whether you are buying your first home or making a move to your next home I'm here to assist you with your mortgage needs.  Fast pre-approvals, personal service, same day appointments or work with me remotely! Assisting clients in Dawson Creek, Fort St John, Chetwynd, Tumbler Ridge, Mackenzie, Prince George, Terrace, Kamloops, Grande Prairie, Edson, Beaverlodge, Whitecourt...... 

 

Do you need to refinance your home and use your equity? I have lenders offering amazing rates for refinancing, call me and let's chat!  OAC, terms & conditions may apply.

 

Sometimes life happens and you find yourself in a credit situation where you may have a high amount of debt or you owe CRA for back taxes.  We do have private lenders for those situations and depending on how much equity you have in your home this might be an option for you! Just call or email me for details.

 

If you already own a property and it's mortgage renewal time, make sure you give me a call before you sign the renewal from your current bank or lender. There is a good possibility that I can get you a better overall package when we consider term, rate, and early pay out penalties, my goal is to keep as much of your hard earned money in your pocket!  We even have lenders that will switch you for no cost.

 

Are you thinking of buying an investment property? I can help you with that as well!  We have lenders available that will mortgage more 'doors' than most big banks!

 

Mortgages, home equity/debt consolidation, refinancing, investment properties, new to Canada, mortgage plus improvements, private or 2nd mortgages - I'm here to help and answer any questions you may have!

 

Call me anytime 250-219-2323 or 780-518-7908 with any questions or to fill out an application over the phone.  In person meetings are by appointment only because I work from my home office or work with me remotely!

 

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I'm Equifax certified

I'm certified through the Equifax Credit Professional Program.

BLOG / NEWS Updates

Canadian Home Prices See Sudden End to Declines in Advance of Spring Market

Canadian home prices as measured by the seasonally adjusted Aggregate Composite MLS Home Price Index (HPI) were flat on a month-over-month basis in February 2024, ending a streak of five declines that began last fall, according to the latest data from the Canadian Real Estate Association (CREA). The fact that prices were unchanged from January to February was noteworthy given they had dropped 1.3% from December to January. Considering how stable the seasonally adjusted MLS HPI tends to be, shifts this abrupt are exceedingly rare. There have only been three other times in the last 20 years that have shared a sudden improvement or increase in the month-over-month percentage change from one month to the next of this size; all at various points in the last four years when demand was coming off the sidelines. Its looking like February may end up being the last relatively uneventful month of the year as far as the 2024 housing story goes, said Shaun Cathcart, CREAs Senior Economist. With so much demand having piled up on the sidelines, the story will likely be less about the exact timing of interest rate cuts and more about how many homes come up for sale this year. Home sales activity recorded over Canadian MLS Systems dipped 3.1% between January and February 2024, giving back some of the cumulative 12.7% increase in activity recorded in December 2023 and January 2024. That said, the general trend has been somewhat higher levels of activity over the last three months compared to a quiet fall market in 2023. Source: https://stats.crea.ca/en-CA/

Bank of Canada maintains policy rate, continues quantitative tightening

The Bank of Canada today held its target for the overnight rate at 5%, with the Bank Rate at 5% and the deposit rate at 5%. The Bank is continuing its policy of quantitative tightening. Global economic growth slowed in the fourth quarter. US GDP growth also slowed but remained surprisingly robust and broad-based, with solid contributions from consumption and exports. Euro area economic growth was flat at the end of the year after contracting in the third quarter. Inflation in the United States and the euro area continued to ease. Bond yields have increased since January while corporate credit spreads have narrowed. Equity markets have risen sharply. Global oil prices are slightly higher than what was assumed in the January Monetary Policy Report (MPR). In Canada, the economy grew in the fourth quarter by more than expected, although the pace remained weak and below potential. Real GDP expanded by 1% after contracting 0.5% in the third quarter. Consumption was up a modest 1%, and final domestic demand contracted with a large decline in business investment. A strong increase in exports boosted growth. Employment continues to grow more slowly than the population, and there are now some signs that wage pressures may be easing. Overall, the data point to an economy in modest excess supply. Source: https://www.bankofcanada.ca/2024/03/fad-press-release-2024-03-06/

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